I currently have Grundy on my $75K Bronco and I have no issue with their guidelines because I've read the policy. But I've also been licensed to sell insurance for 16 years and I know how these companies handle claims. They are not going to deny a theft claim because I took the Bronco to Ace Hardware to get a bolt. There is no verbiage in the Grundy or Hagerty policy that denies comp/collision/liability coverage due to errand running.
What value was it appraised at? I would definitely get another agent involved. 37% of value is a joke. I've insured several Broncos over $50K that were with State Farm.
Hagerty's response to the offroading question was always a solid no. Even though their policy doesn't say anything about that. About 2 years ago they relaxed their underwriting rules and they allow quite a bit of offroading now. This is Hagerty's new stance and comes directly from a licensed underwriting:
If a vehicle is driven occasionally on a dirt or gravel road that is a named road on a map, or county/state maintained year-round road, that would be covered as sometimes the only way to a paved road is on a gravel one.
However, if the vehicle is used for off-road recreation on a non-maintained road/trail (like a two track road), it will not be covered under our policies. This includes dune-crawling or rock-crawling for fun or competition. These types of use are typically hard on the vehicle themselves and present a large risk of damage to the vehicle, observers or drivers.
Camping use and parking the vehicle overnight in a campground is not covered by our policies. That falls into recreational off-road use per our underwriting guidelines.
Driving the vehicle to work once or twice a week or month is not as much of an issue as the camping for our underwriters.
I actually just noticed a new question in the quoting process last week and they will now allow you to drive the vehicle to work 1 month a year.
The information you get from an Agent can vary greatly. But the policy is worded the same no matter who sells it. If you don't like the answer go directly to the company and ask to speak with a licensed underwriter
Seems an odd answer for camping, what if you are in a paved forest campground at a paved site? Thats by definition, On road.
So gravel or named roads are good. Then I submit they would have a hard time denying any posted forest service road as "offroad". It may be a rough road, but it is on road. By definition in national forests, you can't willy nilly drive around the forest off road unless you have deep pockets, or it is a posted ORV area specifically for ORVs.
In reality, I am not going to make a claim if I roll it down a hill, my fault, I'll fix it. But if I'm trolling down my gravel road and a darn quad doing 60 Tbones me, yeah, I'll submit a claim. So the offroad limits seem just odd, I'm not going to make an offroad accident claim if I'm locked in 4 low at level 4 and it flips over backwards. At my stage in life I'm at level one with potholes and I'm happy.
